Do I have to attend a credit counseling course to file for Chapter 7 Bankruptcy?

Yes, in South Carolina, you must attend a credit counseling course in order to file for Chapter 7 Bankruptcy. A court-approved credit counseling course must be completed within 180 days before filing for bankruptcy. This course is designed to help individuals gain financial literacy and to understand their options when filing for bankruptcy. The counseling course consists of two components, the pre-filing counseling session and the post-filing debtor education session. The pre-filing counseling session is intended to help individuals make an informed decision about whether to file for bankruptcy and to understand the implications of filing for bankruptcy. During the post-filing debtor education session, individuals are given information about budgeting, managing money, and using credit responsibly. In South Carolina, you must meet the credit counseling requirements in order to file for Chapter 7 Bankruptcy. The course must be taken from an approved provider, who will provide you with a certificate that must be filed with the court in order to proceed with the bankruptcy filing. It is important to remember that filing for bankruptcy is a serious financial decision and should not be taken lightly. The purpose of the credit counseling course is to ensure that individuals make an informed decision and understand their options before filing for bankruptcy.

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